Replicating Microfinance in the United StatesJames H. Carr, Zhong Yi Tong Woodrow Wilson Center Press, 28/06/2002 - 387 من الصفحات "With the publication of this volume, knowledge and understanding of the practices of delivering micro-credit reach a new level of consolidation, and the stage is set for important further steps."—from the Foreword by Richard P. Taub, University of Chicago Microfinance was pioneered in the developing world as the lending of small amounts of money to entrepreneurs who lacked the kinds of credentials and collateral demanded by banks. Similar practices spread from the developing to the developed world, reversing the usual direction of innovation, and today several hundred microfinance institutions are operating in the United States. Replicating Microfinace in the United States reviews experiences in both developing and industrialized countries and extends the applications of microlending beyond enterprise to consumer finance, housing finance, and community development finance, concentrating especially on previously underserved households and their communities. Contributors include Nitin Bhatt, Robert M. Buckley, Bruce Ferguson, Elinor Haider, Chi-kan Richard Hung, Sally R. Merrill, Jonathan Morduch, Gary Painter, Sohini Sarkar, Mark Schreiner, Lisa Servon, Ayse Can Talen, Shui-Yan Tang, Kenneth Temkin, Andres Vinelli, J. D. Von Pischke and Marc A. Weiss. Replicating Microfinance in the United States is based on papers commissioned by the Fannie Mae Foundation and findings from an October 2001 conference jointly held by the Fannie Mae Foundation and Woodrow Wilson International Center for Scholars in Washington, D.C. |
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... Financial mismanagement and unexpected changes in life situations, like divorce, death of a spouse, or loss of employment, may account for bankruptcy. Although μling for bankruptcy may allow the μler to be almost debt free immediately ...
... month Yes Yes 85% at group meetings Yes Yes Yes 73% required it 10% of a loan No No No 0.5 acre Modules 15–30 hours 64% business None training A Comparison of Peer-Group Lending Programs—Financial Features BRAC, TRDEP, Feature.
... Financial Features BRAC, TRDEP, Feature Bangladesh Bangladesh KREP, Kenya Real interest ratea (percent) 15 15 20 Norminal interest rateb (percent) 20 16 n.a. Average loan sizea (dollars) 75 75 347 Annual family incomec (dollars) 517 ...
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